I have read similar reviews here: during the installation, the roku.com website forced me to submit my payment information. Instead of giving my credit card info, I used PayPal, then it forced PayPal to create a charge. I did not approve the charge, then, the installation was locked out. I then repeated the process, this time instead of moving forward with payment, I hit the back button of the browser, then it let me finish the installation.
I don't think this is a malware, but it is Roku's intention to force customers into giving them payment information. SO LAME!!!
Your feedback is important to us. Linking a payment method to your Roku account enables you to set up Roku Pay. Roku Pay allows you to purchase subscriptions for channels and services available through the Channel Store, add Premium Subscriptions on The Roku Channel, rent or buy movies and TV shows, and purchase Roku device upgrades, offers, and accessories.
Charges will not be made without your authorization. You can create a PIN to prevent unauthorized users in your home from making purchases with Roku Pay. Learn more at https://support.roku.com/article/115015571227-why-is-a-payment-method-required-when-creating-a-roku-account-
We hope that information is helpful, Happy Streaming!